Mortgage Rates Duluth, Minnesota (MN) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Duluth, Minnesota. Our editorial content is independent of any advertiser relationships.
Current 30-year fixed mortgage rates in Duluth, Minnesota as of March 21, 2026 are as follows, according to verified data from MonitorBankRates: Baxter Credit UnionBaxter Credit Union4316 Rice Lake Rd, Duluth, MN, 55811A5.0 ★Texas Ratio: 7.73% at 6.00%, Affinity Plus Federal Credit UnionAffinity Plus Federal Credit Union1820 Maple Grove Rd, DULUTH, MN, 55811 1811A+5.0 ★Texas Ratio: 5.62% at 6.00%, Wells FargoWells Fargo1339 W Arrowhead Rd, Duluth, MN, 55802A5.0 ★Texas Ratio: 7.44% at 6.25%, U.S. BankU.S. Bank130 W Superior St, Duluth, MN, 55802A5.0 ★Texas Ratio: 6.46% at 6.38%, and Connexus Credit UnionConnexus Credit Union5825 Xerxes Ave N, Brooklyn Center, MN, 55430B-4.3 ★Texas Ratio: 22.87% at 5.88%.
Mortgage rates in Duluth, Minnesota (MN) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to Minnesota borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 21, 2026
Duluth, MN Mortgage Rate Trends
Compare local Duluth, MN mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — MN Avg
6.303%
▲ 0.218 from last week
For buyers in Duluth, MN, the broader Minnesota 30-year fixed average mortgage rate rose 0.218 points this week to 6.303%, according to MonitorBankRates trend data.
15-Year Fixed — MN Avg
5.811%
▼ 1.960 from last week
For buyers in Duluth, MN, the broader Minnesota 15-year fixed average mortgage rate fell 1.960 points this week to 5.811%, according to MonitorBankRates trend data.
As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Mortgage Rates Today in Duluth, Minnesota & the Surrounding Area
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4316 Rice Lake Rd, Duluth, MN, 55811
30-Year Fixed Mortgage
6.00%
6.00%
▼
Rate6.00%
APR6.00%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1820 Maple Grove Rd, DULUTH, MN, 55811 1811
30-Year Fixed-Rate, Conventional
6.00%
6.13%
▼
Rate6.00%
APR6.13%
Points0.000
UpdatedMar 17, 2026
Details
As Low As; starting at
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4316 Rice Lake Rd, Duluth, MN, 55811
30 Year Fixed
30
6.00%
6.16%
▼
Rate6.00%
APR6.16%
Points0.625
UpdatedMar 18, 2026
Details
As Low As
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1339 W Arrowhead Rd, Duluth, MN, 55802
30-Year Fixed Rate
6.25%
6.40%
▼
Rate6.25%
APR6.40%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
130 W Superior St, Duluth, MN, 55802
30-year fixed refinance
30-year
6.38%
6.54%
▼
Rate6.38%
APR6.54%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
5825 Xerxes Ave N, Brooklyn Center, MN, 55430
30-year Fixed-Rate
30
5.88%
6.03%
▼
Rate5.88%
APR6.03%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
10750 France Ave S, Andover, MN, 55304
30-Year Fixed Refinance
30
6.00%
6.07%
▼
Rate6.00%
APR6.07%
Points0.000
UpdatedMar 21, 2026
Details
No additional details available.
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
316 Byron Ave N, Byron, MN, 55920
30 Year Fixed
30 years
6.03%
6.10%
▼
Rate6.03%
APR6.10%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
101 1st Ave Sw, Bloomington, MN, 55056
30 Year Fixed
6.00%
6.10%
▼
Rate6.00%
APR6.10%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11121 Fountains Dr, Bloomington, MN, 55014 1778
30 Year Fixed
5.88%
6.11%
▼
Rate5.88%
APR6.11%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1400 Riverwood Dr, Bloomington, MN, 55044
30-Year Fixed Rate - MN AZ FL
6.00%
6.13%
▼
Rate6.00%
APR6.13%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1400 Riverwood Dr, Bloomington, MN, 55044
30-Year Fixed Rate Refinance
6.00%
6.14%
▼
Rate6.00%
APR6.14%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1400 Riverwood Dr, Bloomington, MN, 55044
30-Year Fixed Rate - WI
6.00%
6.14%
▼
Rate6.00%
APR6.14%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1400 Riverwood Dr, Bloomington, MN, 55044
30-Year Fixed Rate HomeReady
6.00%
6.14%
▼
Rate6.00%
APR6.14%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
10750 France Ave S, Andover, MN, 55304
Conventional 30-Year Fixed
30
6.12%
6.18%
▼
Rate6.12%
APR6.18%
Points0.000
UpdatedMar 21, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.99%
1619 Blake Ave, Albert Lea, MN, 55912
30 Year Fixed
6.00%
6.22%
▼
Rate6.00%
APR6.22%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1216 2nd St SW, Rochester, MN, 55901
30 Year Fixed
30 Year
6.12%
6.28%
▼
Rate6.12%
APR6.28%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
5825 Xerxes Ave N, Brooklyn Center, MN, 55430
30-year Fixed-Rate
30
6.25%
6.32%
▼
Rate6.25%
APR6.32%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
455 Pond Promenade, Chanhassen, MN, 55317
30 Year Fixed (Conforming)
6.25%
6.34%
▼
Rate6.25%
APR6.34%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
101 1st Ave Sw, Bloomington, MN, 55056
30 Year Fixed
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
1200 West County Rd E Suite 200, Apple Valley, MN, 55038
30 Year Fixed
30
6.38%
6.44%
▼
Rate6.38%
APR6.44%
Points0.000
UpdatedMar 21, 2026
Details
No additional details available.
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
455 Pond Promenade, Chanhassen, MN, 55317
30 Year Fixed (Conforming)
6.38%
6.46%
▼
Rate6.38%
APR6.46%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
455 Pond Promenade, Chanhassen, MN, 55317
30 Year Fixed (Conforming)
6.50%
6.58%
▼
Rate6.50%
APR6.58%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4316 Rice Lake Rd, Duluth, MN, 55811
15-Year Fixed Mortgage
5.38%
5.38%
▼
Rate5.38%
APR5.38%
Points0.000
UpdatedMar 18, 2026
Details
As Low As; POINTS MAY APPLY
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4316 Rice Lake Rd, Duluth, MN, 55811
15 Year Fixed
15
5.38%
5.65%
▼
Rate5.38%
APR5.65%
Points0.750
UpdatedMar 18, 2026
Details
As Low As
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1339 W Arrowhead Rd, Duluth, MN, 55802
15-Year Fixed Rate
5.50%
5.73%
▼
Rate5.50%
APR5.73%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1820 Maple Grove Rd, DULUTH, MN, 55811 1811
15-Year Fixed-Rate, Conventional
5.62%
5.84%
▼
Rate5.62%
APR5.84%
Points0.000
UpdatedMar 17, 2026
Details
As Low As; starting at
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1820 Maple Grove Rd, DULUTH, MN, 55811 1811
Home Solar Loan 15-Year Fixed-Rate
15
6.24%
6.39%
▼
Rate6.24%
APR6.39%
Points0.000
UpdatedMar 17, 2026
Details
As Low As; LESS THAN 80% LOAN-TO-VALUE
Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
5825 Xerxes Ave N, Brooklyn Center, MN, 55430
15-year Fixed-Rate
15
5.12%
5.37%
▼
Rate5.12%
APR5.37%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1400 Riverwood Dr, Bloomington, MN, 55044
15-Year Fixed Rate
5.38%
5.59%
▼
Rate5.38%
APR5.59%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
First Security Bank Byron, MN
Institution Rating:
A+5.0 ★Texas Ratio: 4.32%
316 Byron Ave N, Byron, MN, 55920
15 Year Fixed
15 years
5.53%
5.65%
▼
Rate5.53%
APR5.65%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1400 Riverwood Dr, Bloomington, MN, 55044
15-Year Fixed Rate Refinance
5.50%
5.70%
▼
Rate5.50%
APR5.70%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
10750 France Ave S, Andover, MN, 55304
Conventional 15-Year Fixed
15
5.62%
5.72%
▼
Rate5.62%
APR5.72%
Points0.000
UpdatedMar 21, 2026
Details
No additional details available.
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1216 2nd St SW, Rochester, MN, 55901
15 Year Fixed
15 Year
5.50%
5.75%
▼
Rate5.50%
APR5.75%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
101 1st Ave Sw, Bloomington, MN, 55056
15 Year Fixed
5.62%
5.79%
▼
Rate5.62%
APR5.79%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
5825 Xerxes Ave N, Brooklyn Center, MN, 55430
15-year Fixed-Rate
15
5.75%
5.83%
▼
Rate5.75%
APR5.83%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
1200 West County Rd E Suite 200, Apple Valley, MN, 55038
15 Year Fixed
15
5.75%
5.86%
▼
Rate5.75%
APR5.86%
Points0.000
UpdatedMar 21, 2026
Details
No additional details available.
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
455 Pond Promenade, Chanhassen, MN, 55317
15 Year Fixed (Conforming)
5.75%
5.88%
▼
Rate5.75%
APR5.88%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11121 Fountains Dr, Bloomington, MN, 55014 1778
15 Year Fixed
5.50%
5.89%
▼
Rate5.50%
APR5.89%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Nicolet Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
455 Pond Promenade, Chanhassen, MN, 55317
15 Year Fixed (Conforming)
5.75%
5.90%
▼
Rate5.75%
APR5.90%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Accentra Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 16.99%
1619 Blake Ave, Albert Lea, MN, 55912
15 Year Fixed
5.62%
5.99%
▼
Rate5.62%
APR5.99%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1820 Maple Grove Rd, DULUTH, MN, 55811 1811
5/6m ARM Adjustable-Rate, Conventional
5.00%
5.12%
▼
Rate5.00%
APR5.12%
Points0.000
UpdatedMar 17, 2026
Details
As Low As; starting at
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1820 Maple Grove Rd, DULUTH, MN, 55811 1811
5/6m ARM Fixed-Rate, Conventional
5.00%
5.12%
▼
Rate5.00%
APR5.12%
Points0.000
UpdatedMar 17, 2026
Details
As Low As; starting at
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1820 Maple Grove Rd, DULUTH, MN, 55811 1811
7/6m ARM Adjustable-Rate, Conventional
5.25%
5.37%
▼
Rate5.25%
APR5.37%
Points0.000
UpdatedMar 17, 2026
Details
As Low As; starting at
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1820 Maple Grove Rd, DULUTH, MN, 55811 1811
7/6m ARM Fixed-Rate, Conventional
5.25%
5.37%
▼
Rate5.25%
APR5.37%
Points0.000
UpdatedMar 17, 2026
Details
As Low As; starting at
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4316 Rice Lake Rd, Duluth, MN, 55811
5/1 Year ARM
5.12%
6.17%
▼
Rate5.12%
APR6.17%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
130 W Superior St, Duluth, MN, 55802
Jumbo adjustable-rate mortgage (ARM) loans 5/1 yr
5/1 yr
5.75%
6.20%
▼
Rate5.75%
APR6.20%
Points0.680
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
130 W Superior St, Duluth, MN, 55802
Jumbo adjustable-rate mortgage (ARM) loans 7/1 yr
7/1 yr
5.88%
6.21%
▼
Rate5.88%
APR6.21%
Points0.760
UpdatedMar 15, 2026
Details
No additional details available.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1339 W Arrowhead Rd, Duluth, MN, 55802
7/6-Month ARM
5.88%
6.27%
▼
Rate5.88%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
130 W Superior St, Duluth, MN, 55802
Conforming adjustable-rate mortgage (ARM) loans 7/6 mo
7/6 mo
5.88%
6.29%
▼
Rate5.88%
APR6.29%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
130 W Superior St, Duluth, MN, 55802
Jumbo adjustable-rate mortgage (ARM) loans 10/1 yr
10/1 yr
6.12%
6.32%
▼
Rate6.12%
APR6.32%
Points0.725
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
130 W Superior St, Duluth, MN, 55802
Conforming adjustable-rate mortgage (ARM) loans 10/6 mo
10/6 mo
6.12%
6.38%
▼
Rate6.12%
APR6.38%
Points0.936
UpdatedMar 15, 2026
Details
No additional details available.
TopLine Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.64%
11121 Fountains Dr, Bloomington, MN, 55014 1778
5/1 ARM
5.12%
5.35%
▼
Rate5.12%
APR5.35%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
14750 Victor Hugo Blvd N, Eagan, MN, 55038 4561
5/1 ARM - Conventional
5.12%
5.86%
▼
Rate5.12%
APR5.86%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
14750 Victor Hugo Blvd N, Eagan, MN, 55038 4561
5/5 ARM - Conventional
5.25%
5.91%
▼
Rate5.25%
APR5.91%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
14750 Victor Hugo Blvd N, Eagan, MN, 55038 4561
7/1 ARM - Conventional
5.38%
5.93%
▼
Rate5.38%
APR5.93%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1216 2nd St SW, Rochester, MN, 55901
7/6 ARM
5.62%
6.09%
▼
Rate5.62%
APR6.09%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1216 2nd St SW, Rochester, MN, 55901
5/6 ARM
5.50%
6.13%
▼
Rate5.50%
APR6.13%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
5825 Xerxes Ave N, Brooklyn Center, MN, 55430
7/3 Adjustable-Rate (ARMs)
5.62%
6.17%
▼
Rate5.62%
APR6.17%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
5825 Xerxes Ave N, Brooklyn Center, MN, 55430
5/3 Adjustable-Rate (ARMs)
5.38%
6.19%
▼
Rate5.38%
APR6.19%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
1200 West County Rd E Suite 200, Apple Valley, MN, 55038
5 Year Adjustable
5
5.88%
6.25%
▼
Rate5.88%
APR6.25%
Points0.000
UpdatedMar 21, 2026
Details
No additional details available.
Royal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.10%
1200 West County Rd E Suite 200, Apple Valley, MN, 55038
10 Year Adjustable
10
6.38%
6.42%
▼
Rate6.38%
APR6.42%
Points0.000
UpdatedMar 21, 2026
Details
No additional details available.
Connexus Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.87%
5825 Xerxes Ave N, Brooklyn Center, MN, 55430
3/3 Adjustable-Rate (ARMs)
4.99%
6.45%
▼
Rate4.99%
APR6.45%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1820 Maple Grove Rd, DULUTH, MN, 55811 1811
30-Year Jumbo Fixed-Rate
6.00%
6.06%
▼
Rate6.00%
APR6.06%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
4316 Rice Lake Rd, Duluth, MN, 55811
Jumbo 30 Year Fixed
30
6.12%
6.26%
▼
Rate6.12%
APR6.26%
Points1.000
UpdatedMar 18, 2026
Details
As Low As
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
130 W Superior St, Duluth, MN, 55802
Jumbo loans 15-year
15-year
6.25%
6.49%
▼
Rate6.25%
APR6.49%
Points0.640
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
130 W Superior St, Duluth, MN, 55802
Jumbo loans 20-year
20-year
6.38%
6.58%
▼
Rate6.38%
APR6.58%
Points0.735
UpdatedMar 15, 2026
Details
No additional details available.
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
130 W Superior St, Duluth, MN, 55802
Jumbo loans 30-year
30-year
6.50%
6.65%
▼
Rate6.50%
APR6.65%
Points0.685
UpdatedMar 15, 2026
Details
No additional details available.
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
14750 Victor Hugo Blvd N, Eagan, MN, 55038 4561
15 Yr. Fixed - Jumbo
5.88%
5.97%
▼
Rate5.88%
APR5.97%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
14750 Victor Hugo Blvd N, Eagan, MN, 55038 4561
30 Yr Fixed - Jumbo
6.25%
6.31%
▼
Rate6.25%
APR6.31%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
130 W Superior St, Duluth, MN, 55802
Federal Housing Administration (FHA) loans 30-year
30-year
5.88%
6.76%
▼
Rate5.88%
APR6.76%
Points0.932
UpdatedMar 15, 2026
Details
No additional details available.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1400 Riverwood Dr, Bloomington, MN, 55044
FHA 30-Year Fixed
5.50%
5.78%
▼
Rate5.50%
APR5.78%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Associated Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
101 1st Ave Sw, Bloomington, MN, 55056
30 Year FHA
6.00%
6.85%
▼
Rate6.00%
APR6.85%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Ideal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.40%
14750 Victor Hugo Blvd N, Eagan, MN, 55038 4561
30 Yr. Fixed - FHA
6.12%
7.25%
▼
Rate6.12%
APR7.25%
Points0.000
UpdatedMar 20, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1339 W Arrowhead Rd, Duluth, MN, 55802
30-Year Fixed-Rate VA
5.62%
5.82%
▼
Rate5.62%
APR5.82%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1820 Maple Grove Rd, DULUTH, MN, 55811 1811
15-Year VA Fixed-Rate, Conventional
5.88%
5.98%
▼
Rate5.88%
APR5.98%
Points0.000
UpdatedMar 17, 2026
Details
As Low As; starting at
U.S. Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.46%
130 W Superior St, Duluth, MN, 55802
Veterans Affairs (VA) loans 30-year
30-year
6.12%
6.46%
▼
Rate6.12%
APR6.46%
Points0.509
UpdatedMar 15, 2026
Details
No additional details available.
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1820 Maple Grove Rd, DULUTH, MN, 55811 1811
20-Year VA Fixed-Rate, Conventional
6.50%
6.58%
▼
Rate6.50%
APR6.58%
Points0.000
UpdatedMar 17, 2026
Details
As Low As; starting at
Affinity Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.62%
1820 Maple Grove Rd, DULUTH, MN, 55811 1811
30-Year VA Fixed-Rate, Conventional
6.62%
6.69%
▼
Rate6.62%
APR6.69%
Points0.000
UpdatedMar 17, 2026
Details
As Low As; starting at
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
10750 France Ave S, Andover, MN, 55304
VA IRRRL 30-Year Fixed
30
5.50%
5.60%
▼
Rate5.50%
APR5.60%
Points0.000
UpdatedMar 21, 2026
Details
No additional details available.
TruStone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.44%
1400 Riverwood Dr, Bloomington, MN, 55044
VA 30-Year Fixed
5.62%
5.76%
▼
Rate5.62%
APR5.76%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
SharePoint Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.61%
10750 France Ave S, Andover, MN, 55304
VA 30-Year Fixed
30
5.62%
5.88%
▼
Rate5.62%
APR5.88%
Points0.000
UpdatedMar 21, 2026
Details
No additional details available.
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The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Duluth, Minnesota directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Duluth, Minnesota. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in MN.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Duluth, Minnesota
How does my credit score affect my rate in Minnesota?
Your credit score is a major factor. Generally, borrowers in Duluth, Minnesota with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Minnesota because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in Minnesota?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Minnesota, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in Duluth, Minnesota, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in Duluth, Minnesota?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Minnesota, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in Minnesota?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Duluth, Minnesota offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in Duluth, Minnesota?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in Duluth, Minnesota?
- Baxter Credit Union: 6.00% (30-Year Fixed Mortgage)
- Affinity Plus Federal Credit Union: 6.00% (30-Year Fixed-Rate, Conventional)
- Wells Fargo: 6.25% (30-Year Fixed Rate)
- U.S. Bank: 6.38% (30-year fixed refinance)
- Connexus Credit Union: 5.88% (30-year Fixed-Rate)
Mortgage Rates reflect actual verified offers from lenders actively lending to Minnesota borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 21, 2026
